Tag: Life Insurance

How To “Ace” The Insurance Underwriting Phone Interview

Updated: April 12, 2024 at 9:39 am

If you apply for life or disability insurance, usually the carrier sets up a paramedical exam. The exam consists of health questions, a height/weight check, a urine sample, among other requirements. In the past few years, many carriers are moving away from the traditional process of a paramedical exam to a simplified, non-medical insurance process. The simplified process excludes the paramedical exam. It usually does, however, require a phone interview with a member of the carrier’s underwriting team. In this article, we discuss the simplified process in more detail. We also discuss how you can “ace” the insurance underwriting phone interview.

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Burial Insurance For People With Sleep Apnea | We Discuss How To Apply, Plan Options, And Cost

Updated: April 12, 2024 at 9:39 am

Do you have sleep apnea and need burial insurance?

Yes, John. I applied with my agent, but her company declined me because I use a CPAP machine.

Unfortunately, that is a true outcome with many carriers.

However, we can get you burial insurance no problem and have helped many people with sleep apnea obtain burial insurance.

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Here’s Affordable Burial Insurance For People With Atrial Fibrillation | Easy Application And Instant Approval

Updated: April 12, 2024 at 9:39 am

If you have atrial fibrillation, you can obtain burial insurance.

That is right. Additionally, most people with atrial fibrillation, or Afib, purchase burial insurance rather easily with no policy limitations.

In other words, your burial insurance policy will not have a waiting period, graded benefits, or limited death benefits.

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7 Critical Mistakes That Mess Up Your Life Insurance Beneficiary Designation | Watch Out For These Situations

Updated: April 12, 2024 at 9:39 am

beneficiary designation

You probably didn’t know that you can make mistakes on your life insurance beneficiary designation, did you?

And if you do, and you pass away, your beneficiary mistake could have severe consequences.

Many people (and some agents) will tell you to not worry; just put anyone as your beneficiary.

But that is wrong. Doing so will potentially destroy the advantages of life insurance. Moreover, it could create chaos with your surviving loved ones.

You don’t want that to happen, do you?

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A Better Option For Life Insurance Waiver Of Premium Rider

Updated: April 12, 2024 at 9:39 am

waiver of premium

You know that life insurance is important coverage. However, did you know that you still have to pay your life insurance premiums even if you are disabled, not working, and not making money? Therefore, many carriers offer a waiver of premium rider on their life insurance.

The life insurance waiver of premium rider waives your premiums if you are disabled and can’t pay the premiums on your policy.

Sounds great, right?

But, is it worth it? Have you checked? Do you know?

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